C&F Mortgage Corporation Mortgage Lending & HMDA Data, 2022
In 2022, C&F Mortgage Corporation of Midlothian, VA reported 2,902 mortgage applications totaling $800.9 million, down 55% from 2021. The average application was for $275,964, and applicants reported an average income of $105,423. 79% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Richmond, VA (1,512), Virginia Beach-Norfolk-Newport News, VA-NC (373) and Staunton-Waynesboro, VA (232) (applications in parentheses).
| Mortgage Company & Address | C&F Mortgage Corporation 1400 Alverser Drive Midlothian, VA 23113 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,902 |
| Total Mortgage Loan Application Amount | $800,850,000 |
| Average Mortgage Loan Application Amount | $275,964 |
| Highest Mortgage Loan Application Amount | $1,195,000 |
| Average Applicant Income | $105,423 |
| Highest Applicant Income | $1,938,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records C&F Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for C&F Mortgage Corporation in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,383 | $654,955,000 | $274,000 | $1,195,000 | $104,000 | $1,938,000 |
| Cash-out Refinancing | 285 | $70,745,000 | $248,000 | $695,000 | $107,000 | $1,066,000 |
| Refinancing | 234 | $75,150,000 | $321,000 | $705,000 | $118,000 | $522,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,059 | $574,835,000 | $279,000 | $1,005,000 | $108,000 | $1,938,000 |
| Black or African American | 389 | $91,825,000 | $236,000 | $705,000 | $82,000 | $525,000 |
| Not Provided | 220 | $62,820,000 | $285,000 | $725,000 | $120,000 | $1,066,000 |
| Hispanic | 130 | $37,550,000 | $288,000 | $995,000 | $94,000 | $310,000 |
| Asian | 87 | $28,705,000 | $329,000 | $1,195,000 | $110,000 | $389,000 |
| American Indian or Alaskan Native | 8 | $2,140,000 | $267,000 | $415,000 | $147,000 | $480,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $965,000 | $321,000 | $515,000 | $141,000 | $207,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,000 | $554,580,000 | $277,000 | $1,005,000 | $116,000 | $1,938,000 |
| FHA-insured (Federal Housing Administration) | 575 | $143,955,000 | $250,000 | $545,000 | $76,000 | $281,000 |
| VA-guaranteed (Veterans Administration) | 209 | $79,605,000 | $380,000 | $1,195,000 | $112,000 | $516,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 118 | $22,710,000 | $192,000 | $545,000 | $61,000 | $145,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,283 | $632,285,000 | $276,000 | $1,195,000 | $105,000 | $1,938,000 |
| Application Withdrawn By Applicant | 349 | $95,285,000 | $273,000 | $1,005,000 | $112,000 | $1,401,000 |
| File Closed For Incompleteness | 191 | $54,895,000 | $287,000 | $665,000 | $109,000 | $525,000 |
| Application Denied By Financial Institution | 64 | $13,990,000 | $218,000 | $645,000 | $68,000 | $149,000 |
| Application Approved But Not Accepted | 15 | $4,395,000 | $293,000 | $665,000 | $102,000 | $293,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,838 | $786,860,000 | $277,000 | $1,195,000 | $106,000 | $1,938,000 |
| Other | 20 | $4,990,000 | $249,000 | $535,000 | $69,000 | $145,000 |
| Credit History | 18 | $3,550,000 | $197,000 | $365,000 | $71,000 | $149,000 |
| Debt-To-Income Ratio | 13 | $2,935,000 | $225,000 | $645,000 | $77,000 | $135,000 |
| Employment History | 6 | $1,320,000 | $220,000 | $395,000 | $58,000 | $99,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $565,000 | $188,000 | $315,000 | $58,000 | $84,000 |
| Collateral | 3 | $475,000 | $158,000 | $255,000 | $50,000 | $99,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into C&F Mortgage Corporation's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess C&F Mortgage Corporation's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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